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Smart technology will benefit your home insurance quotes

February 24, 2015

There are many reasons for implementing smart technology into your home. Whether you want to have a state-of-the-art entertainment system a or touch-controlled heating and cooling network, modern technology has simplified the process from installation to enjoyment. But it is important to note that insurance companies favor some smart technology, as it can lead to additional home security. In fact, some smart tools can actually help lower your home insurance costs.

Insurance companies are looking kindly on smart security.

However, just because you use smart technology to simplify your life and home efficiency doesn't mean you are going to automatically save on homeowners insurance. Yet, if you are putting certain technologies in for the right reasons, and those reasons include aiding the safety of your home, then some insurance companies might look upon the investment kindly.

Alarm systems

Insurance companies encourage people to incorporate home alarm systems, such as smoke detectors and fire alarms, to minimize risk. Sure, detectors and alarms won't stop a fire, but they notify the family to get out and call firefighters to the scene. This effort reduces potential damage or accidents.

Technology transforms most tools, and alarm systems are no different. Currently, some insurance companies offer discounts to homeowners making use of smart smoke detectors and thermostats, as Tim Arone, vice president of Risk management at Pure Insurance told Digital Trends.

“If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that,” Arone said. “The price point of all this technology is coming down because it's becoming more and more mainstream.”

Video surveillance and sensors

Smart cameras and sensors are becoming increasingly popular as well. While these devices continue to drop in price, more people are purchasing them and putting them to use. And insurance companies are finding the benefits as much as homeowners. Sometimes, lower premiums are seen as a reward for making sure your home and assets are safe and secure. Insurance companies would rather your home be safe and your valuables monitored than replace everything due to some unforeseen disaster.

Dan Reed, managing director at American Family Ventures, a division of American Family Insurance, spoke with Gigaom about how smart technology can change the insurance industry from a reactive one to a proactive one. Technologies like this allow you to be one step ahead, which means insurance companies are providing incentives to implement and make use of smart home tools.

The range of what smart technology can monitor is also growing. While smart detectors and window sensors are popular, there are also detectors for things such as water leaks. Additionally, you can view and control these devices and security measures on a smartphone or tablet. This means that you are never out of the loop and can report something they see while they aren't even home.

Similar to vehicles

The technology is not for homes alone, however. And likewise, insurance companies are rewarding those taking the extra precautions in vehicles too. By investing in this inexpensive monitoring technology, your auto insurance rates may decrease.

These tools not only detect, but record as well, so an insurance company can see your good driving habits and take them into account when you seek an insurance quote. These devices would also clear up a great deal of investigation when it comes to accidents. Since the device will have recorded the event, it will cut down on investigation times and allow insurance companies to settle the matter more quickly and with more accurate information.

As smart technology becomes more prominent in everyday life, it is worth looking into security measures that will protect you and save you money in the long run.

*Average customer savings based on an average of new SelectQuote Auto & Home Insurance
policyholders between 7/1/2016 and 6/30/2017. Individual savings may vary, and are not guaranteed.
Coverages and discounts subject to state availability and individual eligibility. Savings do not
apply in the state of Massachusetts.

SelectQuote Auto & Home Insurance Services offers insurance products and services through its
licensed insurance agency, SelectQuote Auto & Home Insurance Services, LLC. SelectQuote Auto &
Home Insurance Services is not an insurance company. We represent top-rated insurance companies,
and receive commissions, and possibly other performance-based compensation, for our services.
Products and services are not available in all states.